, the aging of america, this affects millions of people. for example, are you just getting ready to retire? and you'll no longer be a w-2 employee? that could change your tax bracket. sit down and talk with somebody, when is the best time to take those gains. there's another issue, too, with retirement that people don't realize is out there, fiscal cliff or not. and that's your required minimum distributions. this is an area that we see as very confusing to seniors. what happens at the age of 70 12 you are required to take minimum distributions from your ira, 401(k), those sort of things, if you don't, you're looking at a tax hit, a penalty of 50%. a lot of seniors are confused about that and that happens with a fiscal cliff or not. >> you gave awes whole lot of details there and for a young family with children, perhaps in college and looking forward to try and live a life and get some sort of retirement, what's the one thing they should do above all the things they've given us, what's the one thing to be focused on. >> something that peop